@Anonymous124- Hello, good evening, or if you read this later good day, I took a peek into the defensive driving credit, it is not available in Missouri, the locations where it is offered are: AK AL AR CA CO CT DC DE FL GA HI ID IL KS KY LA ME MN MS MT ND NJ NJB NM NY NV OH OK OR PA RI SC SD TN TX UT VA WA WV WY. Many premium credits like this have to be approved by the state, and a few states have not approved of this one. I hope this helps bring some clarity to the situation, it's never a bad thing to take this kind of course though. If you need us to help with your insurance we are a chat away at www.USAA.com >ASK USAA, or we are a call away at 800-531-8722. Thank you!